Is the Citi Strata Card the Secret Weapon for Earning Big Without Ever Paying a Fee?
- Barber shops, cosmetic stores and hair salons
- Fitness clubs
- Live entertainment
- Pet supply stores
- Select streaming services

These strong earning rates largely mirror those of the Citi Strata Premier but without the $95 annual fee, making the Strata an excellent entry-level option.
These earning rates can create Citi’s version of the Chase Trifecta, where you combine multiple Citi cards to maximize rewards. For example, cardholders can carry both the Citi Strata and the new, premium Citi Strata Elite℠ (see rates and fees) to maximize earnings through the Citi travel portal and restaurant purchases on Friday and Saturday evenings.
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